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Direct Repair Programs

Home / Insurance Resources / Insurance 101 / Direct Repair Programs

Many insurers maintain direct repair programs (DRP) in which they contract with selected auto body repair shops to perform repairs according to terms which have been agreed upon by the insurer and the repair shop. This practice by insurers has a number of benefits for the consumer.

Many insurers will provide a guarantee of the quality of the repairs done in a DRP which provides additional consumer protection for claimants. In addition, DRP’s help to contain costs and those savings are passed on to policyholders in the form of lower premiums.

Of course, you always have the choice of where you have your car repaired. Insurers will inform consumers of all their choices, including the benefits of using DRP’s.

Below are some information resources for those who would like to learn more.

Information Resources:

  • FAQs about direct repair programs and generic auto parts (III)
    This link takes you to the III website for a Q and A on auto insurance repair issues.
  • Key Issue: Auto Body Repairs (APCIA)
    This 2016 study by APCIA examines the benefits of auto insurance direct repair programs.
  • Auto Body Repair (APCIA)
    This link takes you to an APCIA page on auto body repair.
  • Video: Know Your Options (PCI)
    This video provides consumers with advice on knowing their options following an auto accident.

Insurance Resources

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  • When Natural Disasters Strike
  • Auto Resources
  • Business Resources
  • Homeowners Resources
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News

  • IIK’s 2023 Agenda Items
  • HB 170 Passed to Streamline Settlements for Minors
  • HB 380 Passed to Modernize KY Insurance Laws
  • IIK Supports Hands-free Cell Phone Use Legislation
  • IIK’s 2022 Agenda Items

Issues

  • Insurance and the Pandemic
  • Personal Injury Protection (PIP) Auto Insurance Coverage
  • Local Government Insurance Premium Taxes (Municipal Premium Taxes)
  • The Use of Credit-Scoring in Setting Premiums
  • Municipal Emergency Response Fees (Accident Taxes)

IIK AMICUS BRIEF PROGRAM

IIK accepts applications from members and non-members to file an amicus brief in cases which could have an impact on insurance law in Kentucky. Learn more about how to apply here.

INSURANCE 101

Insurance 101 contains information on the basics of insurance as well as a brief look at some key issues that affect insurance consumers. Just click here to take a quick tour.

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Insurance Institute of Kentucky

Our Issues

  • Insurance and the Pandemic
  • Personal Injury Protection (PIP) Auto Insurance Coverage
  • Local Government Insurance Premium Taxes (Municipal Premium Taxes)
  • The Use of Credit-Scoring in Setting Premiums
  • Municipal Emergency Response Fees (Accident Taxes)

About IIK

The Insurance Institute of Kentucky is a non-profit corporation dedicated to educating, supporting and assisting the Kentucky insurance consumer, market and industry. read more...

Contact Us

Insurance Institute of Kentucky
PO Box 54542
Lexington, KY 40555-4542
[email protected]

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